Job Description

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Senior Commercial Credit Analyst –Coral Gables, FL

FinTrust Connect has partnered with a leading regional financial services company that is rapidly expanding its credit operations and is looking to hire a Commercial Credit Analyst in Miami, FL. This position is responsible for more complex underwriting/analyzing commercial loans and assisting Portfolio Managers and Relationship Managers in managing customers’ relationships.

Why this opportunity?

• Culture : This regional bank has been recognized as one of the nation's best employers by Fortune and Forbes magazines and a Top 10 Most Reputable U.S. Bank. This is an organization with a market-centric approach that enables you to remain nimble and in tune with the local economy.

• Workplace (Remote, On-site, Hybrid): 100% on-site in Coral Gables, FL

• Function : Financial statement spreading, renewals and annual reviews, prepare credit analysis of CRE and C&I loans

Requirements:

• 2-4 years of related experience in the Financial Services, Banking Industry, Credit Analysis, Loan Review, Underwriting or similar background preferred.
• Bachelor's degree in Accounting, Finance or Business or equivalent in specific work experience
• Minimum of 3 years of experience as a Credit Analyst I or equivalent role preferred.
• Minimum of 3 years of experience in general bank operations and the lending process
• Strong ability to understand and provide commentary on Company Financial performance; review and provide analysis on leases, appraisals, budgets, projections, guarantor documents, tax returns, cash flows, financial ratios, trends and debt repayment capacity.

Description:

• Prepare credit analysis including review/analysis of real estate and C&I loans—specific market information and financial statements for commercial borrowers, guarantors and prospects.
• Timely completion of financial statement spreading, updating and creating new requests, renewals and annual reviews, tracking and completing covenant monitoring, conducting industry research and having a strong understanding of loan policy.
• Analyze and prepare complex credit approval documentation such as loan terms, collateral, entering covenants, determining bank's credit exposure, and loan grade inputs.
• Work closely with Portfolio Managers to monitor and manage assigned commercial loan portfolios.
• Participate in internal credit conversations with senior credit management and in external meetings with clients and prospects.

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